Every purchase has a story.
A bank statement says you spent $54.98 at a pharmacy. It does not say that $36.01 of it was a thermometer and bandages you could have paid for with pre-tax money, and $18.97 was shampoo. The store knows, but your bank doesn’t, and you, the person who paid, are left guessing.
That gap is not an accident of technology. The receipt exists, and so does the account that could pay for it. They just live in systems that were never configured to work together.
When you can see it, you can act on it.
Nobody skips a reimbursement because they do not want the money. They skip it because finding the receipt and submitting the claim costs more attention than the dollars seem worth. But if eligible dollars are made visible, the attention cost disappears. It’s pretty shocking how the numbers shake out.
Your data, your accounts, your call.
Permissioning data is not the same as taking it and doing whatever you want with it. The same goes for their accounts. The person who connects a card, a store, or their HSA, sees exactly what doing that means, and can revoke access whenever they want.
Every toggle on the card is an option in Sail’s products.
Convenience for people. Benefit for the places they shop.
We believe user-permissioned data access should be allowed only when everyone involved comes out ahead. We hold every use case to one test, and we say no to the ones that fail it.
Affordability is partly a data problem.
People already set aside money for their health. Employers already fund benefits. Manufacturers already offer direct pricing. The money is out there.
What was missing is the connective tissue that lets a person automate finding that money, until now.